[Remote] Senior Credit Analyst, MX

Note: The job is a remote job and is open to candidates in USA. Tilt is a company focused on creating a new credit system using innovative financial products and machine learning-powered credit models. They are seeking a Senior Credit Analyst to manage credit risk and develop new lending products, driving business growth through data and analytics. Responsibilities • Lead the development and optimization of end-to-end credit policies for new lending products in México • Build, maintain, and calibrate underwriting and account-management strategies of a nascent and rapidly growing loan portfolio • Design, execute, and measure experiments across the borrower lifecycle • Manage and iterate on the loan valuations model. Incorporate the model into the credit strategy and key decisions • Establish automated monitoring and alerting for core KPIs • Partner with Product/Engineering to define and deliver analytics and reporting requirements • Define and refine fraud and dispute controls • Support the Head of Credit in the multi-phase roadmap, aligning experiments, models, and controls to business objectives and Credit OKRs • Share knowledge and best practices, and raise analytical and execution standards across the team Skills • B.S. or advanced degree in engineering, business, finance, economics, computer science, mathematics, or a related field • 2+ years of industry experience optimizing product features and credit policy in México through data-driven and quantitative analyses with personal loan, credit card, or line of credit products • Advanced SQL and Excel skills with exceptional accuracy and attention to detail; comfort building complex queries and models from raw data • Proven ability to lead analytics-driven initiatives and collaborate with Product, Engineering, Operations, and Finance; strong judgment and bias for action in ambiguous, fast-changing environments • Strong verbal and written communication skills; can translate complex metrics, systems, and trade-offs into clear recommendations for technical and non-technical partners • Experience designing and analyzing A/B tests and operational pilots; understanding of experimental design, guardrails, and causal inference basics • Experience working in or familiarity with the México consumer finance space Benefits • Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement. • Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity. • Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards. • Visibility is yours: You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly. • Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.) • Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines. Company Overview • At Tilt (formerly Empower), we see a side of people that traditional lenders miss. It was founded in 2016, and is headquartered in San Francisco, California, USA, with a workforce of 201-500 employees. Its website is https://www.tilt.com. Apply tot his job Apply To this Job